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[quote=Anonymous]I keep all my accounts on Fidelity and organize it into different housekeeping accounts (taxes, bills, etc.) and one of these is called Nest. I have a spreadsheet that calculates an amount to put to the side (in Nest) every month to retire by age 58. I've backed into the total I am working toward by estimating the amount of principal I would need to live off the earnings assuming a 6% annual return and that we continue to live the way we do. The goal amount at age 58 is the shortfall after 401(k), pension, HSA, Roth, etc. are accounted for. Once a month (and usually more often), I check to see whether it is where it should be. If it isn't, I move over some cash into Nest. I'm not locked into what is in the Nest account since it is just a brokerage account but it heightens my awareness of what I am working toward so I would chide myself if I had to borrow from the Nest account to pay bills or taxes. I do the same thing with my kids' 529 accounts. For what it's worth, I don't know that I actually want to retire at age 58 but that is my partnership's force-out age so I want to have security to do what I want by then.[/quote]

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